Life Insurance is available in a number of forms. It may be available as a Group Life Insurance Policy or Mutual Insurance Policy. It can also be purchased as a Whole Life Insurance policy, a Universal Life Insurance Policy or a Term Insurance Policy.

A Group Life Insurance Policy is furnished to a group, often employees or members of an organization.

A Mutual Insurance Policy is issued by an Insurance Company that is owned by its policyholders.

A Term Insurance Policy provides benefits for a specified term of years at a specified premium.

A Whole Life Insurance Policy requires a larger premium but also provides a cash benefit that appreciates over time.

A Universal Life Insurance Policy also provides a cash benefit in addition to the death benefit.

Complaints regarding life insurance arise regardless of whether it is Group Life Insurance, Mutual Life Insurance, Term, Life Insurance, Whole Life Insurance, or Universal Life Insurance.

Beneficiaries complain about efforts by Insurance Companies to defeat coverage based on misstatements in the application for insurance, and other grounds. All such insurance delivered in NYS has a 2-year incontestability clause. Such clause permits the Insurance Company to deny benefits within 2 years of the Policy inception in the event of such misstatements, provided that certain legal requirements are satisfied.

The right NY Life Insurance Law Firm can take steps to help protect you against an Insurance Company's efforts to defeat coverage under applicable law.

Also beneficiaries complain that the Life Insurance Company appears more interested in protecting its assets rather than meeting its obligations under its life insurance policy.

A NY life insurance lawyer can take steps to help make sure that the Insurance Company meets its obligations under its policy.

Your Life Insurance Company is not your friend.

It is important that you have the right NY Life Insurance lawyer on your side that can help "level the playing field" and assist in getting the benefits you deserve.

We are here to help.


Franklin N. Meyer - New York Life Insurance Lawyer
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